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Bankstar Financial

Elkton, SD · Cert 496 · Elkton Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankstar Financial

Elkton, SD · Cert 496 · Elkton Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$363.5MAssets
$284.7MLoans
$302.1MDeposits
$34.8MEquity
Loan mix
79%RE $193.3M20%C&I $47.7M1%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $250.7M17%Noninterest $51.5MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.81%Q2 ’255.84%Q2 ’26+10%+11%

Non-interest income vs. expense

2.49%Q2 ’242.14%Q2 ’252.15%Q2 ’26-14%+2%

Executive Summary

  • Earnings: ROA of 1.26%, up 24 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.14% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.42%, up 35 bps from a year ago.
  • Funding: loans stand at 94.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+37 bps YoY

Efficiency Ratio (YTD, annualized)

55.36%-503 bps YoY

Tier 1 Leverage Ratio

9.42%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.06%1.13%1.03%1.26%+24 bps
Return on Equity11.64%11.90%12.52%10.94%13.30%+166 bps
Net Interest Margin3.30%3.31%3.34%3.55%3.67%+37 bps
Efficiency Ratio60.40%59.42%58.45%60.86%55.36%-503 bps
Non-Interest Burden1.88%1.85%1.84%2.06%1.92%+4 bps
Growth
Asset Growth (YoY)5.58%3.00%6.66%7.22%10.79%+520 bps
Loan Growth (YoY)4.05%4.41%6.27%7.84%11.64%+759 bps
Deposit Growth (YoY)9.30%5.66%11.03%11.83%12.93%+363 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.34%0.10%0.03%0.14%-8 bps
Net Charge-Offs / Loans0.00%0.09%0.07%0.00%0.00%0 bps
Allowance / Loans1.06%0.99%0.99%1.02%1.06%0 bps
Allowance Coverage of NPLs4.9x2.9x10.0x33.2x7.8x+2.8x
Capital
Tier 1 Leverage Ratio9.07%9.28%9.28%9.32%9.42%+35 bps
Total Risk-Based Capital12.82%12.72%12.76%12.77%13.08%+26 bps
Equity / Assets9.20%9.35%9.42%9.34%9.58%+38 bps
Liquidity & Funding
Loans / Deposits95.32%94.54%93.05%92.35%94.23%-109 bps
Liquid Assets / Assets5.19%5.70%7.15%6.80%6.64%+145 bps
CRE / Total Capitaln/a337%343%338%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankstar Financial

Elkton, SD · Cert 496 · Peer group: banks under $1B in assets (n=581-629) · Elkton Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$363.5MAssets
$284.7MLoans
$302.1MDeposits
$34.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets (rank 124 of 629).
  • Widest gap: equity / assets trails 66% of banks under $1B in assets (rank 416 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.24%

Rank 219 of 629

Net Interest Margin

3.67%

Rank 273 of 629

Efficiency Ratio

55.43%

Rank 124 of 629

Equity / Assets

9.58%

Rank 416 of 629

Non-interest income vs. expense

$0.9M$7.9MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 80% of banks under $1B in assets
Bank 55.43%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.60%1.01%1.45%Beats 65%219 / 629
Return on Equity12.89%5.38%9.30%13.28%Beats 72%175 / 629
Net Interest Margin3.67%3.03%3.54%4.05%Beats 57%273 / 629
Efficiency Ratio55.43%58.35%67.79%79.08%Beats 80%124 / 629
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.46%1.20%Beats 71%171 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 67%195 / 581
Capital
Tier 1 Capital Ratio12.02%11.24%13.84%18.77%Beats 34%418 / 629
Total Risk-Based Capital Ratio13.08%11.58%14.43%19.66%Beats 39%383 / 629
Equity / Assets9.58%9.09%10.65%13.80%Beats 34%416 / 629
Liquidity & Funding
Loans / Deposits94.23%67.24%80.90%93.48%77th pctl137 / 594
Loans / Assets78.34%53.31%67.71%78.15%76th pctl153 / 629
Brokered Deposits / Depositsn/aNot reported for this institution